Settlement Timing

Settlement timing can vary by payment method, currency, merchant profile, bank cutoffs, holidays, risk review, reserves, refunds, and disputes.

How Settlement Works

• A customer payment is authorized or captured.
• The transaction is processed through the relevant card network, bank, wallet, or local payment rail.
• Moneybag calculates fees, refunds, chargebacks, adjustments, and reserves where applicable.
• Net settlement is paid to the merchant bank account according to the applicable payout schedule.

What Affects Timing

• Payment method, currency, merchant country, and settlement bank.
• Bank holidays, bank cutoffs, and payment network processing windows.
• Risk review, compliance checks, rolling reserves, account limits, refunds, and disputes.

Where to Track Payouts

• Dashboard settlement reports.
• Payout ID and transaction-level reconciliation exports.
• Webhook or API reporting where available.